Home
Workers’ Compensation
Workers’ Compensation
Common Workplace Injuries We Handle
Construction Accidents:
Falls, equipment malfunctions, and other construction-related injuries.
Repetitive Strain Injuries:
Carpal tunnel syndrome, tendonitis, and other injuries from repetitive motions.
Slip and Fall Accidents:
Injuries resulting from slips, trips, and falls in the workplace.
Industrial Accidents:
Injuries from machinery, hazardous materials, and other industrial hazards.
Occupational Illnesses:
Diseases caused by exposure to harmful substances or environments at work.
Transportation Accidents:
Injuries involving vehicles, including delivery drivers and traveling employees.
Secure Your Workers' Compensation Benefits
At BCL Law, we understand that workplace injuries can have a profound impact on your life and livelihood. Our dedicated team is here to help you navigate the complexities of the Workers’ Compensation system, ensuring you receive the benefits and compensation you deserve.
What is Workers’ Compensation?
Workers’ Compensation is a state-mandated insurance program that provides financial benefits to employees who suffer job-related injuries or illnesses. These benefits can include medical expenses, lost wages, rehabilitation costs, and compensation for permanent disabilities.
Free Confidential Consultation
From Consultation to Compensation:
What You Can Expect
- Initial Consultation: We offer a free initial consultation to discuss your case, answer your questions, and explain your rights and options.
- Claim Filing: Our attorneys will assist you in preparing and filing your Workers’ Compensation claim, ensuring all necessary documentation is complete and accurate.
- Medical Benefits: We help you secure coverage for medical treatments, surgeries, medications, and rehabilitation services related to your injury.
- Wage Replacement: If your injury prevents you from working, we will advocate for wage replacement benefits to help you stay financially stable during your recovery.
- Permanent Disability: In cases of permanent injury, we work to obtain fair compensation for your long-term disability and lost earning capacity.
- Appeals: If your claim is denied or disputed, our experienced attorneys will represent you in appeals and hearings, fighting to overturn unjust decisions.
Frequently Asked Questions
1. How much does a lawyer cost?
Nothing. Legal fees are governed by the Workers’ Compensation statute and are awarded on a contingency basis. Meaning you do not pay your lawyer anything out-of-pocket. Your lawyer gets paid a fee set by the DIA at each level of litigation. This is paid by the insurance company. If your case settles, the legal fee is either 15% or 20%.
2. What do I do if the insurer denies my claim?
Call a lawyer. A lawyer can assist you in filing a claim with the Department of Industrial Accidents.
3. What is the first thing I should do after being injured?
Report it as soon as possible to a supervisor and document it in writing either via an incident/accident report or an email or text message to your supervisor or a person in management.
4. What should I do immediately after reporting my injury?
Get medical treatment. It is important that you treat following your working injury and explain to your medical provider that you were injured at work and how it happened. If you feel unable to work following an injury, be sure to get a note from your doctor keeping you out of work.
5. How soon after my injury will I start receiving benefits?
If you are absent from work for 5 days, then your employer must report your injury to their Workers’ Compensation insurer. Once reported, the insurer has 14 days to determine whether they will pay benefits or deny them.
6. How much will I receive while on Workers’ Compensation benefits?
If you are found totally disabled, you receive 60% of your pre-injury average weekly wage. If you are partially disabled, you receive at most 75% of the 60% total disability rate.
7. How long do I have to pursue a claim for Workers’ Compensation benefits?
You have 4 years from the date of injury to pursue a Workers’ Compensation claim.
8. What is the Department of Industrial Accidents?
The Department of Industrial Accidents (DIA) oversees all disputes involving injured workers in the Commonwealth and is governed by M.G.L. c. 152 and 452 CMR § 1.00 – 9.00. The DIA acts as a dispute resolution system.
9. What is the 'Pay Without Prejudice Period' (PWOP) and why is it important?
The PWOP is the first 180 days of disability. It is during this period that the Workers’ Compensation insurer can pay a claim without accepting liability for that injury. This means the insurer can terminate benefits for any reason within that period so long as they give seven days’ notice.
10. What do I do if I receive a notification from the Insurer that my benefits are being terminated?
Call a lawyer to determine what next steps need to be taken. If you are still treating and unable to work, reach out to your doctor and get an updated disability note. Your lawyer will need to file a claim with the DIA with the updated disability note.
11. What happens after a claim is filed?
Your case is scheduled for a Conciliation. Conciliation is the initial step in the litigation process, and it is determined at this level if the moving party has sufficient documentation to support the claim.
12. What is 'Sufficient Documentation'?
Sufficient documentation is a medical opinion supporting disability due to a work injury or need for medical treatment due to a work injury.
13. Do injured workers have to attend the Conciliation?
No. Your attorney attends the Conciliation on your behalf.
14. What happens after a Conciliation?
Your case is scheduled for a Conference. This is a proceeding before an Administrative Judge at the DIA.
15. Do I have to attend the Conference?
Yes. Although the Conferences are done virtually you still must be “virtually” present. Be sure to discuss how to log into a Conference with your Attorney in advance or go to their office and sit with them.
16. Do I testify or talk at the Conference?
No. There is no testimony taken at the Conference. It is an informal proceeding with presentations presented by the attorneys.
17. How long does the Conference proceeding last?
The proceeding is allotted 30 minutes, but most Conferences are approximately 15-20 minutes.
18. What happens after a Conference?
The Judge publishes a Conference Order. This Order will specify what benefits are awarded, if any.
19. Does the Insurer still have to pay the benefits ordered in a Conference Order if the Order is appealed?
Yes. The Workers’ Compensation insurer still has to pay pursuant to the order even if it is appealed. The insurer has 14 days from the date of the order to issue payment.
20. What happens after a Conference Order is appealed?
In most cases, the injured worker is scheduled for a state impartial examination with a state appointed doctor.
21. Why do I have to see a state doctor?
The state doctor is supposed to provide the Administrative Judge with an impartial opinion as to issues disputed by the parties. These issues include disability, causation, treatment, etc.
22. What if the Impartial Physician’s opinion is not in your favor?
Talk to your lawyer. There are arguments a lawyer can make to allow the Judge to consider other medical opinions in addition to the impartial physician.
23. What happens after the Impartial Physician?
Your case will be scheduled for a Hearing.
24. What happens at a Hearing?
At the Hearing you will testify regarding your injury, treatment, disability, etc.
25. When will my case settle?
Settlement is not a guarantee in Workers’ Compensation cases as it is a wage replacement system. Thus, while most cases do settle, it may not be appropriate in your case. All cases are different and if your case is suitable for settlement, it can happen at any time in the litigation process.
26. How much will my case settle for?
Again, all cases are different. There isn’t a set value a case settles for. There are several different factors that are considered. These factors are your wage, education, vocational background, extent of injury, treatment, the impartial doctor’s opinion, etc. Talk to your lawyer if you have questions regarding settlement.
27. What does 'Settlement with Liability' and 'Settlement without Liability' mean?
Settlement with liability means the Workers’ Compensation insurer is accepting responsibility for your work injury thereby accepting medical treatment that is reasonable, necessary and related to the work injury. Settlement without liability means the Workers’ Compensation insurer is not accepting responsibility for your work injury and thereby not responsible for paying for medical treatment.
28. What happens once a settlement has been reached in my case?
Your attorney will draft paperwork with the insurer and arrange for a Lump Sum Conference with an Administrative Judge.
29. What happens at the Lump Sum Conference?
The Administrative Judge reviews the settlement and determines if the settlement is in your best interest. The Judge also goes over with you what the settlement means for you and what rights, if any, remain open.
30. How do I get medical treatment?
You will be given insurance information by the Workers’ Compensation insurer when injured. This will include a claim number, adjuster contact, etc. Provide this information to your doctor or the medical facility and they will reach out to the insurer to get approval to treat you.
31. What happens if my medical treatment is denied?
Call a lawyer. A Claim for medical treatment can be filed with the Department of Industrial Accidents.
32. What is Form 105?
A Form 105 is an agreement to extend the pay without prejudice period. Do not sign this agreement without speaking with your lawyer. The insurer may present this agreement as being a good thing, but it can negatively impact your case in the future.
33. Should I work with a nurse case manager for my medical treatment?
Nurse case managers are being paid by the insurance company to help manage the medical treatment you receive. This can have a negative impact as they often times can pressure your treating physician to provide opinions as to your work capacity or regarding medical treatment that is being recommended. It is best to talk to your lawyer about how to handle nurse case managers and if one is appropriate in your case.
34. Can I apply for unemployment benefits while I am out of work and pending receipt of benefits?
No. When someone applies for unemployment benefits, they hold themselves out as being willing, ready and able to work. This is a contradiction if you are applying for total disability benefits under the workers’ compensation statute.
Contact Us
If you have been injured on the job, don’t navigate the complex Workers’ Compensation system alone. Let BCL Law be your advocate. Contact us today to schedule your free consultation and take the first step towards securing the benefits you deserve.